This is by far the largest segment of our client base. Retirees face the fear of running out of money. We, in turn, provide a cash flow analysis that is based in today’s dollars as well as our forecasts for inflation. We then make suggestions based on their assets’ efficiency toward the goals that we have set. This type of plan requires constant monitoring for deficiencies as well as potential opportunities. Other topics that we cover with the typical retiree are estate planning, potential healthcare liabilities, document storage and paying bills.